By country · fees in BRL · 13 cards ranked

Melhores Cartões de Crédito do Brasil 2026

Cartões brasileiros classificados: sem anuidade, cashback, milhas e premium — Nubank, Itaú, Bradesco, Santander, C6, Inter, XP e Banco do Brasil — com IOF, anuidade e score Serasa explicados.

See the ranking Read the guide
IOF em compras internacionais3,5%
Cartões sem anuidadeVários no ranking
Score Serasa (premium)700+
ReguladorBanco Central
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Ranked 1–10 at a glance

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
1
Nubank Mastercard (Roxinho)First-time and app-savvy users who want a free, fully digital card
 None No rewards listed on the card page; check the Nubank app for current rewards opt… No traditional welcome bonus; zero fee from day one IOF plus Mastercard exchan… Fair to Good 4.7
2
Nubank Ultravioleta Mastercard BlackPremium digital users who want cashback plus Black benefits
 R$89/yr 1.25% cashback, or from 2.2 points per US dollar No fixed welcome bonus; premium benefits from activation Zero IOF on international… Good to Excellent 4.6
3
C6 Carbon Mastercard BlackDigital-banking users who want premium perks and lasting points
 R$98/yr From 2.5 Atomos points per US dollar, up to 3.5 with more than R$ 1 million inve… Bonus Atomos points for new premium clients (varies) IOF plus Mastercard exchan… Good to Excellent 4.5
4
Itau Personnalite Visa InfiniteAffluent Itau clients who travel internationally and value miles
 R$1,056/yr 3 points per US dollar on international purchases, 2 on domestic purchases Bonus points and benefits for Personnalite clients on activa… IOF plus Visa exchange rat… Excellent 4.5
5
Bradesco Visa AeternumBradesco Private Bank clients who spend in foreign currency and collect Livelo points
 R$1,848/yr 4 Livelo points per US dollar in Brazil, 7 abroad Bonus Livelo points for new premium clients on activation IOF plus Visa exchange rat… Excellent 4.4
6
XP Visa Infinite Credit CardInvestors who want premium benefits with no fee and cashback to invest
 None Up to 1% cashback, reinvestable at XP Promotional cashback or points for new clients (varies) IOF plus Visa exchange rat… Good to Excellent 4.4
7
Santander Unlimited Mastercard BlackPremium clients who want non-expiring points and lounge access
 R$1,440/yr Strong points earn, transferable to airline partners Bonus Esfera points for new clients on activation IOF plus Mastercard exchan… Excellent 4.3
8
Inter Mastercard Credit CardInter account users who want free cashback in a super-app
 None Cashback on bills and marketplace purchases Promotional cashback for new account holders (varies) IOF plus Mastercard exchan… Fair to Good 4.2
9
Itau Click Visa PlatinumEveryday digital shoppers who want a free points card
 None Around 1 point per US dollar spent Promotional bonus points for new clients (varies) IOF plus Visa exchange rat… Fair to Good 4.1
10
PicPay Card MastercardPicPay wallet users who want cashback with no fee
 None Cashback on eligible spends, with yield on balance Promotional cashback offers for new users (varies) IOF plus Mastercard exchan… Fair 4.1

The full list: 13 cards

Ranked by editorial score. Scroll the table on smaller screens.

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
11
Banco do Brasil Ourocard EloBB account holders who want a practical everyday card
 None Points-based via Livelo and Ourocard programs Promotional points or fee waivers for new clients (varies) IOF plus Elo exchange rate… Fair to Good 4.0
12
Bradesco Neo VisaYoung, digital-first users who want a free starter card
 None Optional rewards via Bradesco programs No fixed welcome bonus; zero annual fee IOF plus Visa exchange rat… Fair 4.0
13
Santander SX MastercardYoung users and beginners who want free cashback
 None Cashback on eligible spends, credited to the bill Promotional cashback offers for new clients (varies) IOF plus Mastercard exchan… Fair 4.0

No Annual Fee in Brazil

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The guide

How to choose: Melhores Cartões de Crédito do Brasil

O mercado brasileiro é liderado pelos bancos digitais — Nubank, C6, Inter, XP e PicPay — que popularizaram o cartão sem anuidade, e pelos grandes bancos nas faixas premium (Itaú Personnalité, Bradesco Aeternum, Santander Unlimited). Nosso ranking avalia anuidade real após isenções, cashback ou pontos no valor de resgate, acesso a salas VIP e o score Serasa exigido.

O ranking brasileiro em resumo

  • Sem anuidade — Nubank Mastercard, Inter, C6, Santander SX, Bradesco Neo, Itaú Click e PicPay.
  • Premium — Nubank Ultravioleta, C6 Carbon, XP Visa Infinite, Itaú Personnalité Infinite, Bradesco Aeternum, Santander Unlimited.
  • Negativados e score baixo — cartões pré-pagos ou com limite garantido, veja nosso guia.

O que verificar antes de pedir

Se a isenção de anuidade depende de gasto mínimo ou investimentos, o IOF de 3,5% em compras internacionais (alguns cartões devolvem parte), o valor real dos pontos no resgate, e o score Serasa — os cartões premium costumam exigir 700+ e relacionamento com o banco.

Frequently asked questions

Qual é o melhor cartão de crédito do Brasil?

Sem anuidade, o Nubank continua a referência pela simplicidade; para cashback, Inter e C6; para quem viaja e quer sala VIP, C6 Carbon, Nubank Ultravioleta ou XP Visa Infinite. O ranking acima mostra a ordem atual.

Qual score Serasa é preciso para um cartão premium?

Geralmente acima de 700, além de renda comprovada ou investimentos no banco. Cartões sem anuidade dos bancos digitais aprovam com scores menores.

Cartão sem anuidade é realmente gratuito?

Os dos bancos digitais, sim. Nos grandes bancos a isenção costuma depender de gasto mínimo mensal — confira a regra antes de pedir.

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